American Pacific Mortgage in Washington vs the state
5.9%Denial rate-9.80 pts vs state
7.0%Decision denial rate-12.50 pts vs state
77.1%Origination rate+16.00 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.21 pts vs state
$127kMedian applicant income
1,911Loans originated
145Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,993 | 2,283 | 5.8% | 6.75% | #17 |
| 2024 | 2,663 | 2,044 | 6.1% | 6.75% | #26 |
| 2025 | 2,480 | 1,911 | 5.9% | 6.63% | #28 |
What American Pacific Mortgage lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Snohomish County | 433 | 344 | 26 | 6.0% |
| King County | 415 | 323 | 27 | 6.5% |
| Spokane County | 288 | 233 | 11 | 3.8% |
| Clark County | 266 | 197 | 9 | 3.4% |
| Yakima County | 228 | 175 | 17 | 7.5% |
| Pierce County | 191 | 145 | 13 | 6.8% |
| Benton County | 94 | 72 | 4 | 4.3% |
| Whatcom County | 77 | 64 | 3 | 3.9% |
| Skagit County | 52 | 38 | 1 | 1.9% |
| Cowlitz County | 45 | 32 | 9 | 20.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 2,480 applications in 2025, of which 1,911 were originated and 145 denied.
5.9% of all applications, or 7.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans American Pacific Mortgage originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific Mortgage's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology